Would a good will letter work?

[Anonymous]

I'm trying to get an account that was sold 4.5 years ago to a debt collector removed by the OC.

There is no current collection activity showing for this account, so there isn't any CA to contact.

They CO in 8/2010 and, by the end of the year, will be my only baddie at all.  I would assume that there would be no PFD option since they no longer hold the debt?

[Anonymous]

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@Anonymous wrote:

I'm trying to get an account that was sold 4.5 years ago to a debt collector removed by the OC.

There is no current collection activity showing for this account, so there isn't any CA to contact.

They CO in 8/2010 and, by the end of the year, will be my only baddie at all.  I would assume that there would be no PFD option since they no longer hold the debt?

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If they are not showing a balance, then yes, they have sold it off.

[Anonymous]

Does the creditor no longer holding this account mean that a GW could be a fools errand?

[gdale6]

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@Anonymous wrote:

Does the creditor no longer holding this account mean that a GW could be a fools errand?

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If they sold your debt they ate a big loss their goodwill may not exist, it would be a calculated risk, the older the account is the better chance of getting it removed.

[Anonymous]

The CO was for $337. I'd be willing to pay the OC to take it off.

[gdale6]

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@Anonymous wrote:
The CO was for $337. I'd be willing to pay the OC to take it off.

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You cannot pay the OC if they have sold the debt and they are not going to buy it back in order for you to pay them.

[Anonymous]

I know that they won't do that.  It just stinks that it will be out there, in limbo now.

[gdale6]

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@Anonymous wrote:

I know that they won't do that.  It just stinks that it will be out there, in limbo now.

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You might try calling the OC and asking who they transferred the debt to, then you could contact them an make settlement before they report as well.